Rayburn v. Santander Consumer USA, Inc.
Santander Consumer USA Settlement

Welcome to the Santander Consumer USA Settlement Website

If Santander Consumer USA Inc. (“SC”) repossessed your vehicle since January 1, 2013 and the vehicle sale date on SC's "Notice of Our Plan to Sell Property" letter included the phrase "on or after," then the proposed settlement of a class action lawsuit may affect your rights.

Important Update: The Settlement Administrator issued Distribution Checks to eligible Class Members on July 19, 2021.

A settlement has been reached in a class action lawsuit, Rayburn v. Santander Consumer USA Inc., alleging a violation of the Ohio Uniform Commercial Code, the Ohio Consumer Sales Practices Act, and the Ohio Retail Installment Sales Act.  Plaintiff claims that the “Notice of Intent to Sell Property” letter that Defendant sent to Ohio customers after repossession of their vehicle violated these statutes by containing a vehicle sale date that included the phrase “on or after.” Defendant vigorously denies that it violated any law, but has agreed to the Settlement to avoid the expenses associated with continuing the litigation.

What is the Settlement About?

The Complaint in the Action claims that the “Notice of Our Plan to Sell Property” letter that SC sent to certain Ohio customers after repossession of their vehicle did not comply with parts of the Ohio Uniform Commercial Code (“OUCC”), the Ohio Consumer Sales Practices Act (“CSPA”), and the Ohio Retail Installment Sales Act (“RISA”) because the notices’ sale date included the phrase “on or after.”  

SC denies the claims and contends its notices complied with Ohio law and resulted in no harm to consumers.


Who is Included?


You are a Settlement Class Member if you are an Ohio resident who:

  1. purchased a motor vehicle;
  2. as part of the purchase transaction, entered into a RISC where the RISC was assigned to SC;
  3. where, during the period of January 1, 2013 to the date the Court certifies and finally approves the class for settlement purposes only, SC repossessed the vehicle and sent, subsequent to repossession, a “Notice of Our Plan to Sell Property” Letter;
  4. where the “Notice of Our Plan to Sell Property” Letter had a vehicle sale date that included the phrase “on or after.”; and
  5. subsequent to receiving the “Notice of Our Plan to Sell Property” Letter, did not redeem or otherwise recover the vehicle from SC.

The Class expressly excludes any person who is eligible for a Deficiency Balance Waiver in connection with the State AG Actions, unless that individual is also a Cash Refund Eligible Settlement Class Member.

If you received a deficiency balance waiver in connection with any action initiated by the Attorney General of any state against SC related to your RISC or loan account with SC in or around May 2020, you are not a member of the Settlement Class and your rights will not be affected by the Settlement unless you also made a payment towards your deficiency balance after your vehicle was repossessed.

If you are not sure whether you qualify as a Class Member, you can contact the Settlement Administrator.


What Does This Settlement Provide?


If the proposed settlement is approved, then all Settlement Class Members will receive certain benefits.  In addition, some Settlement Class Members will be eligible to receive partial cash refunds, as described below.  If the settlement is not approved, then Settlement Class Members will not get any benefits of the settlement and the parties will go back to Court for further proceedings, possibly including a trial.

Benefits For All Settlement Class Members:  SC will eliminate the deficiency balance of each Settlement Class Member, setting it to zero.  The deficiency balance is the amount SC claims it is still owed after the car was repossessed and sold.  The deficiency balances are disputed debts, and they are being eliminated to resolve disputed claims in this litigation, including claims for statutory damages and violations of the OUCC, CSPA, and RISA.  More than $333 million in claimed deficiency balances will be eliminated, and SC will ask credit reporting agencies to delete the tradelines for these loan accounts from the Settlement Class Members’ credit reports.

Cash Benefits For Settlement Class Members Who Made Payments After Car Was Sold:  SC will create a Settlement Fund of $1.9 million.  If you paid any money toward your deficiency balance after your repossessed car was sold, then you will get a cash payment from the Settlement Fund.  Your payment will be calculated by comparing what you paid SC after your car was sold to the total of such payments Settlement Class Members made to SC.  It will also depend on how much money remains in the Settlement Fund after the payment of settlement administrative costs in excess of $65,000 and any incentive payment to the Class Representative.






Option and Deadline Event
Do Nothing By taking no action, your interests will be represented by the Class Representative and Settlement Class Counsel. As a Class Member, you will be bound by the outcome of the Settlement, if finally approved by the Court.
Exclude Yourself
If you did not wish to be a member of the Settlement Class, then you may have opted out of the Class as set forth in the Notice. Your opt-out must contain specific information as set forth in the Notice and have been received by the Settlement Administrator on or before March 4, 2021.
You had the right to remain a member of the Settlement Class but still object to the proposed Settlement and any of its terms, including the requests for Class Counsels’ Fees and Expenses and Administration Expenses. To object to the Settlement, you must have submitted a written objection containing the information specified in the Notice on or before March 4, 2021.
Settlement Fairness Hearing
The “Settlement Fairness Hearing” was held on April 5, 2021 at 9:30 AM Eastern Time, at the United States District Court for the Southern District of Ohio, Eastern Division, 85 Marconi Boulevard, Columbus, Ohio 43215, Room 301 to consider, among other things, final approval of the Settlement Agreement and the Fees and Expenses Motion to be filed by Class Representatives and Settlement Class Counsel.

For More Information

Visit this website often to get the most up-to-date information.


Rayburn v. Santander Consumer USA
c/o JND Legal Administration
PO Box 91389
Seattle, WA 98111